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    • Not at all.  The onus is on them to ensure that their invoice respects the provisions of Schedule 4 of the Protection of Freedoms Act 2012 to establish keeper liability.  Which it can't as the area is covered by bye-laws. Spot on. Irrelevant as to whether you entered into a contract with VCS to pay them £100 if you didn't obey what was written on their silly signs. Who cares?  What about their ridiculous generic Particulars of Claim where they deliberately mix up driver and keeper. And where do they mention this?  You haven't shown us anything. Of course you have to prepare a Witness Statement and you'd better get on with it. This is the problem here - you've disappeared for months & months, haven't kept us updated and presumably haven't read other VCS threads.  That needs to change - now. Otherwise you will lose - simple as that. For a start - please upload the court order which fixes the hearing date plus plus where "VCS mentioned my initial defence was generic and clearly copied from the internet".  We're not mind readers.
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    • Hi,  It has been a long time but I have had confirmation claim will proceed to hearing in roughly 1 months time.  I was wondering if anyone could advise on defence please.  A few questions I have are: 1) I didn't notify VCS that I was not the driver of the vehicle and the judge may look negatively on this point.  I did not receive any direction in correspondence from VCS  that I should inform them if I was not the driver and that was going to be the foundation for may argument on this point. 2) The vehicle is stopped at a zebra crossing.  Based on the images from VCS for around 10 seconds.  At that time there is someone standing near the zebra crossing and someone else enters my vehicle.  I was going to raise the point that stopping at a zebra crossing when someone is standing near it is to be expected.  I was also going to ask the question how you can have a no stopping zone when there are zebra crossings where the driver is required to stop. 3) The no stopping zone is clearly signposted, however, no drop off or pickup is not clearly signposted with one small sign at the zebra crossing, parallel to the road and on the passengers side.  I was going to challenge that no-drop off or pickup is clearly signposted.  4) VCS mentioned my initial defence was generic and clearly copied from the internet.  It covered 1) Claimant not being in a position to state if the Defendant was the driver at the time.  2) No evidence that claimant's contract with landowner supersedes byelaws & signage isn't legally binding contract. 3) No contractual costs and interest cannot be accrued on speculative charge. I am interested to know if anyone has had success or been unsuccessful with this 'generic' defence. 5) If I should submit an updated defence to the court based on questions 1, 2 & 3.  Or if it is better to only raise these points in court? Thanks.  Any guidance would be appreciated  
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HFC/Weightmans Advice


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Weightmans have wrote to me and asked me to sign a voluntary charge letter for the outstanding debt I have with HFC. I don't know what to do about it.

Can you please give us some background information on this debt. If they are asking that you sign a voluntary charge on your property then on no accounts should you do this.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Not been on here long and don't know too much but there's no way you should do that EVER!

 

In the templates section I'm sure there's a letter regarding a specific reply to that, there's some civil procedures rules stuff in there too.

 

Matt

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Took out a personal loan with HFC. All was going ok until last year when I couldn't afford to pay the monthly instalment. Weightmans wrote to me and agreed that I could pay a reduced amount for 6 months then they would review it. I paid the reduced payments for 5 months then couldn't continue to do it. Things have been really bad, I have been ill & one of my parents seriously ill. I hadn't heard anything from Weightmans for months until yesterday. I have already sent HFC a CCA request and recieved a photocopy of my agreement which appears to have all the prescribed terms. I haven't sent a SAR as yet. The amount they are asking for is £19k however if I would have paid all the payments it would only of been paying back £15k. The payment also included £75 month for PPI which I never wanted. If I calculate the payments without PPI cover minus what I have already paid it comes to approx 12k.

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Okay first of all forget about the voluntary charge. If they were to go for a charging order themselves they would need to get a CCJ first and then you would need to fall behind with any repayment order the court made on the CCJ for them to be able to go for a charging order. Get that SAR sent off and inform Weightmans in writing that the account is currently in dispute (we've got a template for that - I'll have a look for it). Start the process of reclaiming the PPI if missold and any charges on the account (have a look in the PPI forum for additional information on reclaiming PPI). Have you made any repayment proposal on this account in line with your ability to pay?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Here we are

ACCOUNT NUMBER: XXXXXXX

 

Dear Sir/Madam,

I refer to your letter of **/**/**, in which you advise of your intention to issue court proceedings with regard to the outstanding balance of my current account overdraft.

As you are aware, this account and the balance thereof is currently subject of a dispute. I can only assume your letter has been sent in error, as you must surely be aware that action such as that you propose would constitute breaches of the banking code. This matter has been discussed in correspondence with your clients ********* department and on **/**/** I received a letter from ********, which acknowledged no such action should be taken on a disputed account and did in fact apologise for previously suggesting otherwise. A copy of the correspondence to which I refer is enclosed for your reference.

Additionally, this action you propose is clearly quantifiable as retaliatory due to my own claim against your client to recover unlawfully levied penalty charges. To proceed as you have indicated would therefore be contrary to the statement of the Financial Services Authority of 6th July 2006 in which it ruled such action to be discriminatory. I also believe this action to be tantamount to a sanction imposed merely for pursuing my legitimate right of seeking a judgement from a court.

I trust your client is committed to upholding the standards of the Banking Code to which it subscribes, and would not hold its regulator, the FSA, in such contempt as to ignore its 6th July statement.

I will allow you 7 days to reply to me, in writing or by Fax only, withdrawing the threat of action imposed in your letter of **/**/**. If you do not do so, I will draw your client’s transgressions to the attention of the Financial Services Authority and the banking code standards committee, by making formal complaints and enclosing copies of all recent correspondence.

I look forward to your prompt response.

 

Yours faithfully

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Do I send the SAR request to Weightmans or HFC? Also they mention a deadline in the letter to sign the voluntary charge, what happens to that?. Finally once I send the SAR in to them can they still continue with there legal action or do they have to answer me first?

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Do I send the S.A.R - (Subject Access Request) request to Weightmans or HFC?

HFC.
Also they mention a deadline in the letter to sign the voluntary charge, what happens to that?.
Forget about it.
Finally once I send the SAR in to them can they still continue with there legal action or do they have to answer me first?
They could continue (although they shouldn't) but as I stated earlier it would be for a CCJ which you can defend on the grounds of missold PPI and charges. Even if they got a CCJ against you you can apply for a time to pay order where the judge will make on order to pay based on your disposable income.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Once again I'll ask you, have you made any repayment proposal on this account in line with your ability to pay?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Thanks Rory. You mention disposable income. Well I lost my job last year and am now in the process of starting my own business. At this moment in time I don't have any disposable income. What would happen there?

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Basically if you have made a repayment proposal in line with your ability to pay and provided a list of your incomings and outgoings to support this then they are not going to prosper by getting a CCJ against you. First of all a judge wouldn't be overly impressed at them doing this and secondly they would receive no more than you are currently offering - in some cases the amount that you would pay monthly would actually be reduced as the court may view that your payments were too high.

Thanks Rory. You mention disposable income. Well I lost my job last year and am now in the process of starting my own business. At this moment in time I don't have any disposable income. What would happen there?

I would suggest that you try and make some sort of payment. Even if it is only one pound per month, this shows a willingness to repay the debt.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Ok, just to recap.... I send the SAR first thing tomorrow to HFC to see what charges have been added to the account & ignore Weightmans letter regarding the voluntary charge for the time being. I presume that Weightmans have added on huge fees and thats why this balance is so high. Can those fees be removed when I receive the SAR?

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I would also ask for a statement of account from Weightmans (this is free and should show their charges). The only charges they can add are court costs. They can not add any collection charges apart from this. As they have not been to court they can not add any charges at all. Initially ask them to remove the charges in writing, if they don't you can file at court against them.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Not really. You just need to ask them for a statement of account.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 1 month later...

I sent off my SAR to HFC but haven't had a response yet. Weightmans have sent me a statement of account.....really strange though! Balance outstanding shows £8000 but there letter refers to £18000 and that is the figure they say I need to pay

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I have spoken to Weightmans and simply asked the question of why does the statement show £8k but they are asking me to pay £18k.....there response was, we will get back to you!!!

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